"Card number +3-digit check code" can be used to pay for credit cards (debit cards). Remember not to disclose these three digits.

On May 26th, Mr. Li of Decheng District purchased a plane ticket through a website. He needs to enter the card number of the bank card, the last three digits of the check code on the back of the card and the validity period of the bank card. "After that, it shows that the pre-order is successful. Why did the payment succeed without entering the password? " In order to confirm, Mr. Li called the website customer service and learned that the pre-order was successful. This experience also made Mr. Li pay more attention to protecting personal credit cards (debit cards).

"At present, some travel websites can use this method to purchase air tickets, and some shopping websites have also set up a' no magnetism and no secret' payment method for online payment by credit card (debit card), that is, you don't need to swipe your card or check your password, just enter the card information such as the credit card (debit card) number, the verification code after the card number, the validity period of the card, and provide your ID number and mobile phone number to complete the payment." The bank staff said.

Is this payment method safe? According to the bank staff, the three digits behind the credit card (debit card) are called "CVV code", which is also called the second payment password. This is very important. It consists of 19 main account, 4-digit card validity period and 3-digit service constraint code, which is generated by the issuing bank coding rules and encryption algorithm. Usually, citizens only know that credit cards (debit cards) can be paid by card, that is, they swipe their credit cards (debit cards) on pos machines, then enter their passwords, which will be signed by the cardholders, and the bound mobile phones will also receive consumption reminder messages. As we all know, there is another payment method for credit card (debit card)-"offline payment". You can pay by knowing the card number of the credit card (debit card) and the three-digit "CVV code" on the back of the card, but most people rarely know this offline payment method, which leads to many people not paying attention to the "CVV code" at all.

In fact, as early as 20 1 1 the Measures for the Supervision and Administration of Credit Card (Debit Card) Business of Commercial Banks issued by China Banking Regulatory Commission, it was stipulated that "the issuing bank must check the password or credit card (Debit Card) check code when providing credit card (Debit Card) inquiry payment service through self-service channels" and clearly marked "CVV code".

"At present, the method of' name+card number+expiration date +CVV code' in domestic online shopping is on the rise, so citizens must pay attention to protecting their CVV code and cover it up if necessary." The bank staff said.

Citizens provide credit card (debit card) information to online merchants. How can banks protect users' information from being stolen? According to reports, at present, this kind of non-face-to-face transaction without physical card and password is a convenient payment service provided by card issuers for scenes where cardholders do not need to appear at the merchant's site to pay. Before opening these transactions for merchants, banks have formulated strict audit plans and operational procedures with merchants to prevent the risk of credit card (debit card) theft and misappropriation.

"With the reported card number, verification code, validity period and other information to book hotels, buy air tickets, the implementation of real-name registration system registered consumption. In case of misappropriation, the' real name registration system' can provide convenience for tracing and solving problems. That is, using the card to shop on Taobao and other websites, cardholders must first log in to the online banking accounts of various banks before placing orders, which is to protect real-name consumption. " According to the staff, if the cardholder is unwilling to accept this payment method, he can also use other payment methods provided by the merchant to complete the order, such as swiping the card at the designated place of the merchant and swiping the card at the mobile POS.

At present, when operating "purchasing air tickets and booking hotels by telephone" through the bank website, citizens are usually required to provide ID number, mobile phone number and other related information in addition to the last three digits of credit card (debit card) number, expiration date and verification code. These are the needs of the bank to verify the authenticity of the transaction and check the identity of the subscriber. Only after the verification is accurate can the payment be completed. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.